Which? positions itself as a dependable solution for the self-employed. Everything went smoothly until the lender failed to comprehend my tax return and ruled out a chunk of my earnings (erroneously, as HMRC agreed). Then they simply sat back and repeated the demands, saying their hands were tied. Eventually I had to intervene directly to secure the mortgage. Without my effort we would not now have the money to do our extension. I was left wondering why I had even bothered with an adviser. I should have devoted more time and effort myself, because they were proved to be worthless. Identifying the right deal should not be where their job begins and ends if they purport to offer a full service. I suggest the staff all go self-employed and see what it's like. They'd soon be running damning reviews of their own.